WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2020.92
7.88 (0.39%)
▲
5d:
-0.38%
30d:
-3.98%
90d:
-6.71%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WTM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: WTM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$438.34
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$272.17
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2020.92, which is considered oversold relative to its 30-day fair value range of $2026.32 to $2106.05. The stock's valuation (Forward PE: 22.4) is in line with its historical norms (23.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.6% over the next few years. This pessimistic expectation contrasts with the company's recent 68.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is currently testing key support at $1997.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTM scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. However, the stock is trading significantly above the average Wall Street target of $360.00. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is currently testing key support at $1997.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTM scores 63/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. However, the stock is trading significantly above the average Wall Street target of $360.00. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$2026.32 -
$2106.05
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (63/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 82.2% above Wall St target ($360.00)
- CAUTION: Bottoming setup, but lagging the sector by 18% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$2026.32 -
$2106.05
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$1997.13
Resistance Level
$2076.53
Current Trend
Sideways
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
22.45
Wall Street Target
$360.00
(-82.2%)
Revenue Growth (YoY)
22.5%
Earnings Growth (YoY)
68.8%
Profit Margin
37.7%
Valuation Discount vs History
-1.6% cheaper
PE vs Historical
22.5 vs 23.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.6%
(market-implied from PE analysis)
1-Year Target
$1988.59
(-2%)
2-Year Target
$1956.77
(-3%)
3-Year Target
$1925.46
(-5%)
3-Yr Target (if PE normalizes)
(PE: 22→24)
$2023.67
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.5, Growth: -52.6%)
$1473.25
(+-27%)
Base:
(SPY PE: 20.4, Growth: -52.6%)
$1338.44
(-34%)
Bear:
(PE: 17.3, Growth: -52.6%)
$1137.68
(-44%)
📈
Valuation based on Current Earnings
Trailing PE: 4.61 | Current EPS (TTM): $436.41
Bull Case
$1107.17
(-45%)
Analyst growth -50.0%, PE expands to 5.1
Base Case
$1006.51
(-50%)
Market implied -50.0%, PE stable at 4.6
Bear Case
$1368.86
(-32%)
Severe decline -20.0%, PE contracts to 3.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 22.5 to 23.6
Stabilization Target:
$2124.00
(+5.1%)
PE Expansion Potential:
+5.1%
Share & Embed Analysis
Last updated: October 03, 2026 10:21 AM ET
Data refreshes hourly during market hours. Next update: 11:21 AM
Data refreshes hourly during market hours. Next update: 11:21 AM
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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